Search found 828 matches

by bayview
Sat Aug 27, 2016 8:15 am
Forum: Investing - Theory, News & General
Topic: My only fund not in the red today...how about you?
Replies: 23
Views: 1983

Re: My only fund not in the red today...how about you?

Just a downer day all across the board. My only fund not in the red is an emerging markets fund I am stubbornly holding onto until I've recovered my losses. Up 2 cents a share....I know just put it all in one fund and don't look. I can see why. 8-) Yep, mine too. The only thing up was G fund in my ...
by bayview
Thu Aug 25, 2016 8:33 pm
Forum: Personal Consumer Issues
Topic: Question about employee development
Replies: 28
Views: 1258

Re: Question about employee development

I don't know how blunt you're allowed to be, but if you can be honest with him, I'd advise him to get to the nearest community college/ local college/ university and enroll (again) in Freshman Comp if he wants to remain employed, whether with you or anyone else. Maybe a technical writing course, dep...
by bayview
Thu Aug 25, 2016 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Using TSP Loan for Mortgage Down Payment?
Replies: 5
Views: 483

Re: Using TSP Loan for Mortgage Down Payment?

I don't think it's completely unreasonable, because your TSP allo is all G fund. I love the G fund and do pretty much the same myself, but its return is pretty low. (Worth it to me for the safety, but we're just talking return here.) Therefore, the usual argument against taking a 401k loan, where yo...
by bayview
Tue Aug 23, 2016 7:51 pm
Forum: Personal Consumer Issues
Topic: Rented a car on business, received a parking ticket 11 months later?
Replies: 29
Views: 2342

Re: Rented a car on business, received a parking ticket 11 months later?

Hey All, I just received a "violation notice" from Avis for a trip to California I took about a year ago on business. The funny thing about this, I have pictures from that day and never parked anywhere I couldn't. Admittedly, the only thing I did was park in somebodies driveway (lol) on a...
by bayview
Tue Aug 23, 2016 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Can I semi-retire (or retire?)
Replies: 78
Views: 6367

Re: Will I be able to tell my wife I can semi-retire (maybe retire!)?

More seriously, I am still employed full-time while DH is retired (will be 67 in January.) I am perfectly happy with this arrangement, but I can't help being a bit envious - I wanna be retired too! But I will be retired in not quite 5 years (knock wood), so I grit my teeth and do my thing. I'm not ...
by bayview
Tue Aug 23, 2016 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else getting nervous and converting to cash as a short-term move?
Replies: 115
Views: 9937

Re: Anyone else getting nervous and converting to cash as a short-term move?

We have our first kid on the way, so I'm keeping more cash in savings in anticipation of hospital bills and whatnot. And that makes me nervous because I'm doing it instead of funding my Roth IRA this year. But at least we'll get the tax break. Go back and read through how much people were freaking ...
by bayview
Tue Aug 23, 2016 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Can I semi-retire (or retire?)
Replies: 78
Views: 6367

Re: Will I be able to tell my wife I can semi-retire (maybe retire!)?

I'd like to hear how that conversation goes. HE: Hey honey! Since my at-home business has slowed down, why don't we just say I "retired". Of course we need money to live on, so I think it would be safe if you just kept working...until you get enough Social Security for us to live off of. ...
by bayview
Mon Aug 22, 2016 6:19 pm
Forum: Personal Consumer Issues
Topic: Long wait on Vanguard Phone Lines-What's going on?
Replies: 52
Views: 5070

Re: Long wait on Vanguard Phone Lines-What's going on?

We generally do everything online, but sometimes there is no choice but to call (VG requirements.) I called twice a month ago, held for 20-30 minutes each time, and called back to take the option of them calling me. No return call either time. Actionable part: I don't plan to leave Vanguard, but I'm...
by bayview
Mon Aug 22, 2016 6:00 pm
Forum: Personal Consumer Issues
Topic: new potential tenants negotiating on rent
Replies: 72
Views: 6474

Re: new potential tenants negotiating on rent

Yes i did, and a little more as she is moving in 10 days earlier, otherwise it was going to sit vacant. The manager will come by once a month to do yard maintenance. As homeowners who like to sit on our front porch of an evening, and who are forced to look at the high weedy grass of the rental acro...
by bayview
Fri Aug 05, 2016 10:10 pm
Forum: Personal Consumer Issues
Topic: Heart rate monitors
Replies: 22
Views: 1133

Re: Heart rate monitors

Are you a professional athlete? Have a heart problem? I've gone my whole life without a HRM. Ran marathons, cycled century rides, climbed mountains. Keep it simple. Me too. Playing with data is fun though so I think about it from time to time. However, I can count my pulse for 15 sec and multiply b...
by bayview
Fri Aug 05, 2016 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Appealing out of network medical bill while on vacation
Replies: 18
Views: 1551

Re: Appealing out of network medical bill while on vacation

I agree with waiting it out. Out-of-network companies do not have to balance bill. Agree. You may see several months' worth of bills, with fees tacked on each month. It will probably die off once the insurance has finally settled down. However, if you don't already, I would subscribe to a credit mo...
by bayview
Wed Aug 03, 2016 5:54 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1052
Views: 169992

Re: What are you up YTD? [Year To Date]

Bacchus01 wrote:Somewhere around 20% using Beardstown Ladies.

About half of that is portfolio growth. Call it 10%.

Sounds about right.

:D
by bayview
Wed Aug 03, 2016 5:04 am
Forum: Personal Finance (Not Investing)
Topic: Marriage, budgeting, and taxable accounts
Replies: 41
Views: 2683

Re: Marriage, budgeting, and taxable accounts

Play money? His? Hers? Are we talking about marriage? Joint? as in Jim and Jane Doe JTWROS? (joint tenants with right of survivorship). Play money - hmm? how about this system instead; anything over a set dollar limit you check with each other before you spend it, otherwise just consider it to be p...
by bayview
Tue Aug 02, 2016 6:42 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1052
Views: 169992

Re: What are you up YTD? [Year To Date]

Trailing portfolio return (time-weighted return, comparable return) Portfolio return as of 7/31/16 1 month 1.70% 3 months 2.64% 6 months 6.46% YTD 4.27% 1 year 1.70% 3 years* 4.61% 63.6% bonds - all Treasuries, mostly G fund, the rest VG Treasury funds 29.0% US stock - approximately broad US market ...
by bayview
Mon Jul 25, 2016 5:04 pm
Forum: Personal Consumer Issues
Topic: Car totaled, no collision insurance
Replies: 78
Views: 6480

Re: Car totaled, no collision insurance

I think you are in a legally dangerous situation. Does your insurance company know that two of your cars are being operated by your adult daughters in another state? Your cars they are driving may not be rated properly for the risk. If one of them is in an accident, your insurance company could can...
by bayview
Sun Jul 24, 2016 8:13 pm
Forum: Personal Consumer Issues
Topic: What is this strange piece of scientific glassware?
Replies: 46
Views: 4585

Re: What is this strange piece of scientific glassware?

Epsilon Delta wrote:...It's hard to overstate how casually people used to handle mercury. Kids would pour in onto a table and chase it around for amusement...

Were you in tenth-grade chemistry with me, 1969? :D
by bayview
Wed Jul 20, 2016 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Boss cutting salary in response to employee not doing "job"
Replies: 78
Views: 8731

Re: Boss cutting salary in response to employee not doing "job"

...She plans on quitting next time her boss is overseas (her boss is in the US now, which makes it even worse)... :shock: :shock: :shock: Regardless of the merits of her complaints against her boss, quitting like that, in my opinion, would show a complete lack of class. +1,000 In the South, we call...
by bayview
Tue Jul 19, 2016 5:15 pm
Forum: Personal Consumer Issues
Topic: Kitchen Faucet & Sink recommendations?
Replies: 36
Views: 2038

Re: Kitchen Faucet & Sink recommendations?

We installed a Kraus 36 inch single bowl apron front sink last year during our kitchen gut job, and I want to hug it every time I walk by: https://www.amazon.com/gp/product/B003XI5FL0/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 It's large enough to wash a grandchild, if ever we have one, or faili...
by bayview
Fri Jul 15, 2016 6:57 pm
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 3252

Re: Raising a reader

The main thing we did is to read to them every night before bed. You can start now with simpler books and then work your way up. My renditions of Hop on Pop and Green Eggs and Ham were highly regarded back in their day. +1 Oh, Lordy, how many times did I read Fox in Socks... "AND... "When...
by bayview
Fri Jul 15, 2016 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on VTIBX for a new investor [Vanguard Total Int'l Bond]
Replies: 8
Views: 819

Re: Advice on VTIBX for a new investor [Vanguard Total Int'l Bond]

I switched from VTIBX to VFSVX, Vanguard FTSE All-World ex-US Small Cap Index Fund Investor Shares (whew.) My reasoning was that there seemed to be an awful lot of similarities between total US and total international, but less so with the small cap international fund. It's more expensive, but still...
by bayview
Fri Jul 15, 2016 6:43 pm
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 3252

Re: Raising a reader

Turn off the TV. Read books with him in your lap, so that reading equates to love and comfort and security. Tell stories, long, fanciful stories, and leave them at a cliff-hanger point (end of chapter.) That's how a lot of the classic children's books originated. As he gets older, read him stories t...
by bayview
Fri Jul 08, 2016 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Can we start another forum section? [Taxation of Social Security benefits]
Replies: 60
Views: 4526

Re: Can we start another forum section?

I read from the main page and hardly ever visit individual forums. All sorts of questions are only relevant to people in specific groups. There would be hundreds of forums if each only catered to a specific situation. The best thing for posters to do is to provide as much relevant info as possible....
by bayview
Wed Jul 06, 2016 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a million dollar house?
Replies: 85
Views: 8712

Re: Can I afford a million dollar house?

Female here, votes for Debbie Downer as non-sexist, clear cultural reference, amusing and appropriate. +1 I also went back to read where it was first used as I didn't recall reading it. After reading WCI's post again, yeah I had read that and it didn't sound like him, but it's not offensive, in my ...
by bayview
Wed Jul 06, 2016 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: What do I need to know about billing before a medical procedure?
Replies: 41
Views: 2905

Re: What do I need to know about billing before a medical procedure?

Keep asking. Keep smiling, but keep asking. And yes, you absolutely do want to check out the anesthesiologist, and also any nurse anesthetist who might be working (= actually providing anesthesia) under the anesthesiologist's supervision. Would they generally know who all the professionals will be ...
by bayview
Tue Jul 05, 2016 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: What do I need to know about billing before a medical procedure?
Replies: 41
Views: 2905

Re: What do I need to know about billing before a medical procedure?

I read this thread with a lot of interest as we have a medical procedure in the family coming up. It is expected to be outpatient in a hospital. The other thread veered off topic and got locked - I'm hoping to keep this very actionable. What do I need to do beforehand to avoid surprise bills? Speak...
by bayview
Tue Jul 05, 2016 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Just found out I have a TSP
Replies: 22
Views: 2091

Re: Just found out I have a TSP

I'd keep the TSP, 100% in the G fund. Take some of the burden off the crappy 401k bond funds. Also, they are supposedly working on making the withdrawal options more flexible, as they are apparently getting alarmed at the number of participants pulling everything out when they retire. Depending on h...
by bayview
Tue Jul 05, 2016 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a million dollar house?
Replies: 85
Views: 8712

Re: Can I afford a million dollar house?

OP, here's my take: You can probably afford the house, if you don't have any disastrous surprises occur. (I sure couldn't handle the pucker factor, though.) Note: as a homeowner, I can tell you that you will have disastrous surprises... But consider this very possible scenario: We have another 2007-...
by bayview
Tue Jul 05, 2016 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Social security loss if retiring early
Replies: 28
Views: 2529

Re: Social security loss if retiring early

A note of caution re the estimator. And if I'm wrong, I will cheerfully appreciate being told so... The estimator assumes that you are going to continue working to the various projected ages, earning the same amount that you are now. If you are going to cut back your hours (and pay), or retire comp...
by bayview
Tue Jul 05, 2016 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Social security loss if retiring early
Replies: 28
Views: 2529

Re: Social security loss if retiring early

A note of caution re the estimator. And if I'm wrong, I will cheerfully appreciate being told so... The estimator assumes that you are going to continue working to the various projected ages, earning the same amount that you are now. If you are going to cut back your hours (and pay), or retire compl...
by bayview
Tue Jul 05, 2016 5:43 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1052
Views: 169992

Re: What are you up YTD? [Year To Date]

My 90/10 three fund is only up 2.88 and I'm feeling kinda bummed reading about everybody elses Don't forget that people measure and report using forty-'leven or so different methods. One day I will break out our liability-matching and risk portfolios on the Return Spreadsheet for Bogleheads https:/...
by bayview
Sat Jul 02, 2016 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Recommend an Independent Financial Advisor, please? [fee-only]
Replies: 24
Views: 1923

Re: Recommend an Independent Financial Advisor, please? [fee-only]

http://www.garrettplanningnetwork.com/

I'm sure that there are a few duds in the bunch, but it is perhaps a place to start. We are very happy with ours.
by bayview
Sat Jul 02, 2016 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Refinancing Home to buy Stocks. Confusion
Replies: 62
Views: 4131

Re: Refinancing Home to buy Stocks. Confusion

If I were in your enviable position, I'd skip the refi and invest the equivalent of the mortgage payment monthly, DCA'ing in. I'd get pretty twitchy about taking on debt and plunking that amount in all at once, hoping that stock values aren't at a peak for a while.
by bayview
Wed Jun 29, 2016 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Opening new VG Roth IRA - brokerage acct only option?
Replies: 4
Views: 444

Re: Opening new VG Roth IRA - brokerage acct only option?

In case anyone else stumbles across this thread while searching :D, here's the update: After trying for several days, thinking perhaps that overnight magic was required, we called Vanguard just now. The answer: all new VG accounts are created as brokerage (new-platform) accounts, and yes, you cannot...
by bayview
Sun Jun 26, 2016 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Opening new VG Roth IRA - brokerage acct only option?
Replies: 4
Views: 444

Re: Opening new VG Roth IRA - brokerage acct only option?

Thanks! But something isn't working right. When he tries to exchange from a fund in his traditional VG IRA to the Roth brokerage IRA, he gets this: "Roth conversions are not eligible for cross platform transactions." Does that mean that his trad IRA will have to convert to a brokerage IRA ...
by bayview
Sat Jun 25, 2016 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Opening new VG Roth IRA - brokerage acct only option?
Replies: 4
Views: 444

Opening new VG Roth IRA - brokerage acct only option?

Hi all, DH is trying to open a Roth IRA at Vanguard so that he can start converting his VG trad IRA before RMD's begin. (He has had a Roth IRA in the past, and we have the start date.) There doesn't seem to be an option to open it as a mutual fund account; only as a brokerage account. I once had som...
by bayview
Fri Jun 24, 2016 6:38 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Total International] ETF currently down 7.09% - Time to sell?
Replies: 39
Views: 4144

Re: [Vanguard Total International] ETF currently down 7.09% - Time to sell?

Why on earth would anyone want to sell when the value of their owed item, whether VTIAX or a 2002 Honda Accord or a signed copy of "Abbey Road", had suddenly dropped? I understand the fear of "riding it down" until it's completely dead, but that's pretty unlikely for an index fun...
by bayview
Fri Jun 24, 2016 5:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3109
Views: 710803

Re: U.S. stocks in freefall

, as the stock funds are so undervalued. No, they are just valued - whether it is under or over is unknown now. Fair enough; I agree that we don't know what the future holds. If the market wants to run around and act like crazy people, I have no compunction about taking advantage of this. The marke...
by bayview
Fri Jun 24, 2016 5:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3109
Views: 710803

Re: U.S. stocks in freefall

Here is the data, From 1928 after 3% drop, performance next day and next week. Note that big Monday drops occur at double the frequency of big Tues-Fri drops. Makes sense since it has two extra day in which unexpected risks can occur. And more time for investors to read the financial noise and get ...
by bayview
Fri Jun 24, 2016 5:32 pm
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 118
Views: 10628

Re: International stocks in free fall

question: since i bought VTIAX. What rate do i get? The rate at the time i buy, or the rate at the end of the day, or some other rate/time? thanks. You will get the net asset value at market close today. It's not the rate, it's the price, and that which shows at the end of the day, as saltycaper wr...
by bayview
Fri Jun 24, 2016 5:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3109
Views: 710803

Re: U.S. stocks in freefall

Holy cannoli, I have never seen percentage drops like that! :shock: Excellent time to get DH's trad IRA's switched to Roths, as the stock funds are so undervalued. :beer He is facing RMDs in four years, and we missed the boat during the Recent Unpleasantness. If the market wants to run around and ac...
by bayview
Fri Jun 24, 2016 5:12 pm
Forum: Personal Consumer Issues
Topic: Dog attacked by another dog
Replies: 91
Views: 4857

Re: Dog attacked by another dog

Thanks all for the feedback and concern. Just got back from the vet. No signs of broken bones or torn ligaments. Hopefully it is just a sprained/strained knee. :sharebeer A week of rest is Dr's orders... Great news! :beer I was going to post that the absence of blood or open bite wounds doesn't mea...
by bayview
Fri Jun 24, 2016 5:16 am
Forum: Personal Finance (Not Investing)
Topic: New Bank Account for Rental?
Replies: 10
Views: 956

Re: New Bank Account for Rental?

Our state requires a separate account for the deposit, so we did that. Added a separate account for depositing rent checks and paying for stuff. (There is a lot of this for a rental.) We went over our coverages with USAA and just went with the rental policy (covering the landlord, not the tenant), b...
by bayview
Thu Jun 23, 2016 6:14 am
Forum: Investing - Help with Personal Investments
Topic: helping my uncle
Replies: 14
Views: 1716

Re: helping my uncle

With savings in the mid-seven figures, he should definitely considering postponing SS. He certainly will have enough to live on during the bridge years. Depending on what his pre-SS retirement income and tax bracket look like, he might want to do some conversions of any traditional IRA type funds to...
by bayview
Wed Jun 22, 2016 9:54 pm
Forum: Personal Consumer Issues
Topic: Crickets chirping at night
Replies: 23
Views: 2260

Re: Crickets chirping at night

... OP - you need a predator for your crickets. Google says many creatures eat crickets - and would possibly solve your problem - including spiders, tarantulas, birds, snakes (before you use snakes, be sure to ask LadyGeek first), iguanas, frogs, rodents such as rats and mice, and bearded dragons. ...
by bayview
Wed Jun 22, 2016 7:04 pm
Forum: Personal Consumer Issues
Topic: Recommendations for ready-to-eat Costco meals?
Replies: 28
Views: 3325

Recommendations for ready-to-eat Costco meals?

Sooo, my life has gone seriously weird the last few days, and I'm appealing for help. DH returns home from a trip tomorrow (yes, Thursday) evening. Daughter asked two days ago if she could bring Serious Boyfriend to dinner (hmmm.) I've had to work late every day this week, and I still have house-cle...
by bayview
Sat Jun 18, 2016 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 194
Views: 31673

Re: Liking the new Citi CC at Costco

We received ours a week or so ago. I was utterly flabbergasted that Citi has kept (so far) the 5-digit credit limit that was on the Amex version. I thought for sure that they'd knock it way down, and we don't actually use it that much. We will in the future though, due to the better rewards. This wi...
by bayview
Sat Jun 18, 2016 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Synchrony bank upgrade
Replies: 32
Views: 3693

Re: Synchrony bank upgrade

Having the same problem can not access my account unless I change my password. When I go to change my password it says having difficulties try another time or call support. Third time trying to setup the new password. Great way to do an "upgrade". This happened to me Monday evening. If I'...
by bayview
Sat Jun 18, 2016 8:12 am
Forum: Forum Issues and Administration
Topic: New Board Index Topic - Retirement Planning
Replies: 42
Views: 3874

Re: New Board Index Topic - Retirement Planning

As someone who has administrated/moderated large forums before, I can say from years of experience that sub-forums and additional forums do not aid with overall usability. In fact, they tend to clutter the board as a whole and threads die in smaller forums where they'd otherwise be active. I think ...
by bayview
Fri Jun 17, 2016 5:35 pm
Forum: Personal Consumer Issues
Topic: To paint our wood trim or not?
Replies: 82
Views: 4502

Re: To paint our wood trim or not?

We have a 1923 Craftsman with very detailed interior wood trim that someone painted long ago. I wish we could afford to have it stripped and restored to the original wood finish. If your wood trim is some variant on builder grade clamshell, then paint away. But if you ever get an historic home (I re...
by bayview
Fri Jun 17, 2016 5:28 pm
Forum: Personal Consumer Issues
Topic: Southwest Airlines - Rebooking
Replies: 11
Views: 855

Re: Southwest Airlines - Rebooking

My husband found that you can't (or shouldn't) rebook part of a round trip. A family member is ill, and he had to change his departure date several times. When he called, they did it all for him. We happily drive an hour and a quarter, passing the local airport, to fly Southwest, and this is one of ...

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